ACLEDA Bank review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.

Our verdict

ACLEDA Bank suits Cambodian borrowers who already hold a salary account at the bank and want a personal loan with a borrowing limit of KHR 400,000,000. Approval is immediate in the ACLEDA Super App, and the trade-off is eligibility: a payroll account and a waiting period sit in front of the Salary Loan.

Key facts

Best for
Cambodian salaried and self-employed adults who want money the same day inside a banking app.
APR
9% to 18% (Source, checked September 26, 2026)
Loan amount
KHR 400,000,000 (Source, checked September 26, 2026)
Term
120 months (Source, checked September 26, 2026)
Arrangement fee
1% of loan amount (Salary Loan); 1.5% of the loan amount, minimum KHR 8,000 or USD 2 (Advance Salary Loan) (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Immediate automated approval in the ACLEDA Super App, no branch visit or paperwork (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
Cambodian national with permanent address, employed or self-employed; Salary Loan age 18-55 with a payroll account held at ACLEDA Bank for at least 6 months (Source, checked September 26, 2026)
Origination fee (%)
1% to 1.5% (Source, checked September 26, 2026)
Loan types
Personal, Cash-advance, Car, Student, BNPL, Credit-line, Business, Secured (Source, checked September 26, 2026)
Credit needed
Fair (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
ACLEDA Bank Plc. (Source, checked September 26, 2026)
Headquarters
Cambodia (Source, checked September 26, 2026)
Founded
1993 (Source, checked September 26, 2026)
Support channels
Phone, Email, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Same-day funding
Official website
acledabank.com.kh

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
LinkedInXappgallery.huawei.com

Pros and cons

Pros

  • Approval is immediate and automated in the ACLEDA Super App, with no branch visit and no paperwork.
  • Free early repayment, so clearing the balance ahead of schedule costs nothing extra.
  • Support runs on phone, email and help centre, so a call or an email reaches the bank rather than a third party.
  • It is a direct lender, so the agreement you sign is with the bank itself.
  • One relationship covers more than one need: personal, cash advance and car lists personal, cash advance, car, student, credit line, business and secured lending.

Cons

  • Eligibility is narrow: a Cambodian national with a permanent address, employed or self-employed, and a payroll account held at the bank for a waiting period plus a minimum age.
  • The application runs a hard credit check, so it is worth applying only when the timing suits you.
  • Support runs on phone, email and help centre only, so there is no live chat route for quick questions.
  • The published credit standard is fair, which leaves less room for borrowers building a thin credit history.
ACLEDA Bank

Ready to try ACLEDA Bank?

Scored 9.3 / 10 by BorrowCue.

See alternatives

Who it suits

  • Cambodian adults with a permanent address who are employed or self-employed and want a repayment figure that does not change each month.
  • Borrowers who need money the same day without visiting a branch or sending paper forms.
  • People funding home improvement work who may finish paying early without a charge.

Who should look elsewhere

  • Not for Monzo Flex users, whose rates run 10% to 23% and sit in a different market from Cambodia.
  • Not for Cashspace ES customers, whose APR is 0% and carries no interest at all.
  • Not for Cashspace borrowers weighing lending at PHP 12 to PHP 36 in another currency market.

Application and funding speed

You apply inside the ACLEDA Super App, where the decision is immediate and automated, with no branch visit and no paperwork. The money can reach you the same day you apply, which is the part that matters if a bill or a supplier is waiting on you. The borrowing limit is KHR 400,000,000 and the term can run 120 months, so a large one-off cost is spread over a long repayment rather than squeezed into a short one. Keep in mind that the route is built around salaried and payroll borrowers: the account and the loan live in the same app, and the app is where approval, disbursement and repayment are all handled.

How your money is protected

ACLEDA Bank Plc. is a direct lender, so there is no intermediary between your application and the loan. The contract, the credit decision and the repayments are all with the bank. It is a Cambodian bank supervised by the National Bank of Cambodia, which is the body named on its licence. The Salary Loan is paid against a payroll account held at the same bank, so the money you borrow, the salary that services it and the institution that holds both sit in one place. That structure matters for anyone weighing where to place a salary, because the repayment is taken from the account the salary lands in rather than from an account held somewhere else. Support for existing customers runs on phone, email and help centre.

What borrowing costs

Interest is fixed, and the annual percentage the bank publishes is 9% to 18%. A fixed rate means the monthly figure you agree at the start is the figure you keep paying, which makes budgeting easier than with a rate that moves. The arrangement fee differs by product: the Salary Loan charges a small share of the amount borrowed, while the Advance Salary Loan charges a larger share and also applies a minimum fee. So the cheaper headline rate and the cheaper fee do not sit on the same product, and it pays to ask which product your application is priced on. Free early repayment means settling the balance before the term ends adds nothing, so a rise in income shortens the cost of the loan rather than being absorbed as a charge.

How ACLEDA Bank compares

Where ACLEDA Bank is available

Available
Cambodia
Licence in Cambodia
National Bank of Cambodia, checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What rate will I pay on a personal loan?+

The published annual percentage is 9% to 18% and the rate type is fixed. The rate you are offered depends on the product and on your own circumstances, but the band above is the range the bank publishes for personal loans. Because it is fixed, the figure does not rise when market rates move.

What fees does ACLEDA Bank charge?+

There is an arrangement fee taken as a share of the amount borrowed, and the shares differ by product. A small percentage applies to the Salary Loan, a larger one to the Advance Salary Loan, where a minimum fee also applies. Taken together the arrangement fee runs 1% to 1.5% of the loan amount.

How fast do I get the money?+

Approval is immediate and automated in the ACLEDA Super App, and same-day funding is the feature the bank leads with. You do not need to visit a branch or send paperwork, so the application runs on your phone from start to finish and the money can arrive the same day.

How much can I borrow and over what term?+

The borrowing limit is KHR 400,000,000 and the term can run 120 months. A long term spreads each repayment more thinly, which helps when the loan covers a large one-off cost. The trade-off is that interest keeps accruing over a longer stretch unless you repay early.

Who can apply for a loan?+

Eligibility is for Cambodian nationals with a permanent address who are employed or self-employed. The Salary Loan adds two conditions: a payroll account held at the bank for a waiting period, and a minimum age. The published credit standard is fair, so an existing banking relationship matters as well as income.

What credit check is used?+

The application runs a hard credit check, and the published credit guide is fair. A hard check is more visible on your file than a soft one, so it is worth applying only when the timing is right and the salary account and waiting period are already in place.

Can I repay the loan early?+

Yes. Free early repayment means there is no charge for settling the balance before the 120 month term ends. Since interest is fixed, paying sooner simply stops it running, so a rise in income or a windfall shortens the total cost of the loan rather than adding to it.

Is ACLEDA Bank regulated?+

The lender is ACLEDA Bank Plc., a Cambodian bank supervised by the National Bank of Cambodia, and it is a direct lender. That means the licence sits with the institution you deal with, so the agreement, the credit decision and the repayments are all with the bank rather than a broker.

How do I contact ACLEDA Bank?+

Support runs on phone, email and help centre, so you can call, email or use the help centre. For a salary account holder the app is the main route, since approval, disbursement and repayment all happen there. If you cannot find a branch visit convenient, phone and email cover questions about an existing loan.

Sources

  • acledabank.com.kh/kh/eng/bp_banklicence checked September 26, 2026

    Backs: Licences

  • acledabank.com.kh/kh/eng/ff_history checked September 26, 2026

    Backs: Founded, Headquarters, Legal entity

    “With the ILO and UNDP as godparents, ACLEDA was established in January 1993”

  • acledabank.com.kh/kh/eng/ps_crpersonalloan checked September 26, 2026

    Backs: Loan amount, APR, Credit check, Credit needed, Eligibility, Features, Free early repayment, Funding time, Lender type, Loan types, Pricing model, Arrangement fee, Origination fee (%), Rate type, Support channels, Term, Use cases

    “Loan size is up to KHR 400,000,000”

Compiled from 3 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Representative example.

ACLEDA Bank

ACLEDA Bank

Cambodian salaried and self-employed adults who want money the same day inside a banking app.

9.3/10See alternatives

Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie policy
Cookie settings